Equipment Finance

Are you needing to replace, upgrade or add equipment to your business?

Our accreditation with many of Australia’s most trusted and respected financial institutions means that we are able to offer a wider and more flexible range of finance packages. This means that unlike a bank, we are able to choose from a multitude of products across many banks and institutions to get you the most attractive terms on the market.

We are experienced in successfully financing Commercial Equipment including:

Food Processing Machinery

Catering Equipment

Printing machinery

Metals & Trade Equipment

Medical & Dental Equipment

Office furniture & fitout

Energy Efficient Equipment

Our partnerships with Australia’s leading financial institutions and our experience working with many types of businesses means that we can offer a competitive deal with excellent terms for equipment that range from heavy machinery to small commercial equipment needs (starting from $3000).

No matter what your business needs, Capital Access Group is committed to being proactive in finding a successful finance option for you.

Our Equipment Financing Services & Options:

Under this type of mortgage, the financier takes a charge over the asset until the debt is paid off. Tax Invoices are addressed to the customer who owns the asset from the first day of the loan period, under both common law & for tax purposes.

We can structure the agreement on your behalf, with repayments that will suit your budgetary requirements. You may pay the loan down to zero or have a balloon payment. A deposit in the form of cash or a trade-in may be paid to a level that suits you.

You may purchase the equipment/goods at any time during the loan period, you only need to call Capital Access Group and we will arrange a letter of payout to be emailed to you.

Chattel Mortgages may be beneficial to businesses that use a cash method of accounting.

*We recommend that you consult an accountant or seek legal advice before taking out this type of mortgage.

Under a finance lease the asset is purchased by the financier on behalf of your business. You will make rental payments to use the asset in your business during the lease period. Finance leases have a nominated residual value which generally reflects the depreciated value of the asset at the end of the lease. Once the final rental is made, you will have the option to acquire ownership of the asset or refinance the amount of the residual value.*

*Terms and conditions apply.

Under a novated lease an employee leases a vehicle in their own name and this lease is immediately novated to their employer. There are three parties involved under this agreement: the employee, the employer and the financier.

There are a number of options available with Novated Leases: lease of the vehicle only, lease of the vehicle including maintenance and a fully maintained lease which covers maintenance, fuel and insurance costs.

A portion of the employee’s pay will be ‘sacrificed’ to cover the cost of the finance agreement. There is generally a benefit to the employee under a novated lease as the amount which is salary sacrificed is the monthly lease rental net of GST.

As long as the employee remains with the company, the employer agrees to meet the lease rentals. If the employee is to leave the company during the leasing period all future rentals become their responsibility. In some cases, the employee may be able to arrange their new employer to Novate the existing finance lease.

Have you recently purchased (within the past 30 days) a vehicle or equipment for your business and now want the outlay back in you cash flow?

We can assist you with this by arranging a 'Sale & Leaseback' of the particular goods. The finance type can be Chattel Mortgage or Lease depending on your particular requirements.

'Small ticket' finance enables the financing of some equipment starting from as low $3,000.

Conditions and price vary from lender to lender. One of the more popular options we offer does not require sole traders, partnerships & private companies to provide financial statements for transactions up to $35,000*.

* Conditions Apply.

'Small ticket' finance enables the financing of some equipment starting from as low $3,000.

Conditions and price vary from lender to lender. One of the more popular options we offer does not require sole traders, partnerships & private companies to provide financial statements for transactions up to $55,000*.

When capital expenditure is not a business advantage or equipment is quickly outdated, a Rental agreement or Operating Lease makes sense.

A Rental agreement gives you the flexibility to enhance, upgrade or add equipment during the rental period. Rental is ideal for goods that require regular upgrades.

There is the extra benefit of no residual so that you can return the equipment when the contract expires (so long as they are in good working order) or you can continue to rent the goods for a further period.

"Graham has arranged numerous finance facilities for me over many years for property, shop fit-outs, capital equipment and motor vehicles. Graham knows how to get deals done and his service is first class.”

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One of the greatest issues facing companies that are looking to upgrade their machinery, or start a manufacturing business, is the initial costs involved. While the long term benefits and profit make the investment worthwhile and lucrative, it can be a challenge to raise the capital needed to make these upgrades.